Track your investments, calculate real returns (XIRR), check mutual fund overlap, and analyse sector allocation — all in one place. 100% educational, no data stored.
● Live ToolXIRR CalculatorMF Overlap CheckerSector Allocation⚠ Educational Use Only
Important: This tool is for educational purposes only. TheFinVerge Services is not a SEBI-registered Investment Adviser. No data entered here is stored or transmitted anywhere — everything runs locally in your browser. This tool does not constitute investment advice.
📊 Holdings — P&L Tracker
Add your investments below. Enter buy price and current price to see real-time P&L, gain%, and absolute return.
Add Investment
Name
Type
Invested
Current Value
P&L (₹)
Return %
CAGR %
Weight
Add your first holding above to see your portfolio analysis ↑
Total Invested
—
across all holdings
Current Value
—
today's worth
Total P&L
—
—
Best Performer
—
—
📊
—
—
Disclaimer: All data entered is processed locally in your browser only. Nothing is sent to any server. CAGR is approximate — it assumes a single lump sum investment. For accurate returns use the XIRR Calculator tab.
XIRR gives you the actual annualised return accounting for when each investment was made. Far more accurate than simple return % for SIPs and multiple purchases.
How to use: Enter each investment date and amount (negative = money invested, positive = current value / redemption). Add a final row with today's date and current portfolio value as a positive number.
Cash Flow Entries
Date
Amount (₹) — negative = outflow, positive = inflow/current value
💡 XIRR vs Simple Return — What's the Difference?
❌ Simple Return (Misleading)
Invested ₹1,20,000 over 12 months (₹10,000/month)
Current value: ₹1,35,000
Simple return = 12.5%
But your first SIP was invested for 12 months, last SIP for only 1 month!
✅ XIRR (Accurate)
Same investment, same value
XIRR = ~22-24% p.a.
Accounts for timing of each cash flow
This is what your fund statement shows as "absolute return"
🔍 Mutual Fund Overlap Checker
Check which stocks overlap across your mutual funds. High overlap means you're paying multiple expense ratios for the same underlying stocks.
Note: This uses indicative top holdings data for major Indian funds. For exact real-time overlap, check your fund's latest factsheet from AMFI (amfiindia.com). This tool gives an educational estimate based on known fund categories.
Select Your Funds (pick 2 or more)
🏭 Sector Allocation Analyser
Enter your portfolio holdings to see sector-wise concentration and identify over/under-exposure.
Add Holding with Sector
Add holdings above to see your sector allocation ↑
🩺 Portfolio Health Score
Answer a few questions to get an educational health score and actionable insights for your portfolio.